https://www.citadele.lv/en/private/digital-bank

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https://www.citadele.lv/en/private/digital-bank

A minute in the bank is a minute too many

Offers online - quick, convenient and better

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More convenient everyday with X cards - enjoy the benefits of the card!

  • Free transfers in EUR across Europe and cash withdrawals free of charge worldwide (within card’s limit).
  • Card without monthly fee - try X prime for 6 months and X supreme for 3 months for free.
  • Travel and shopping insurance - basic for X supreme card, while X prime card holders enjoy extensive insurance for purchases and travel for the entire family.
  • Apply for X card in mobile app at a convenient time and place for you.
View cards
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Do you want free coffee, movie tickets or even free airplane tickets? If yes, then X REWARDS is a program for you!

  • Shop with your X card and collect X REWARDS points for every euro spent.
  • Exchange collected points for exciting prizes.
  • Receive special offers with our partners throughout the Baltics.
  • Collect 5x more points with an X prime card when shopping at our special partners.
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Apply for a mortgage loan for purchasing a home or building or renovating one, or for purchasing land to build on, with particularly great terms:

  • Fill in the application online, receive an offer within 24 hours, submit your documents and sign the agreements online.
  • GREAT VALUE - when you buy a home from a new development, there is no agreement processing fee (offer applies 01.01-31.12.2022.)1.
  • GREAT VALUE – for the first year of your mortgage contract, your pledged property is insured for free.
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To reach your goals choose the most suitable loan type – consumer loan, small home loan, home energy efficiency loan or car loan.

  • Apply online, get the offer within 10 minutes and receive money in your account within a few minutes.
  • Apply for a loan
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If all your money stays in your current account, saving is difficult, because your everyday spending knows no limits.

  • Choose Savings account+with annual interest rate of 0.40 % and build up your safety cushion.
  • Have a look at our deposit interest rates and Price list.
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Use Finoterapija.lv2, our free online tool, to organize your personal finances and receive a personalised savings and deposits plan right away.

Start Finotherapy

2 Services are provided by companies in the Citadele Group: IPAS "CBL Asset Management", AAS "CBL Life" and AS "CBL Atklātais pensiju fonds”.

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Become a customer remotely

Become a customer through the Citadele mobile app wherever and whenever is convenient.

  • Takes just 7 minutes.
  • Receive your card by post in 3 business days.
  • You can use the bank’s digital services straight away.
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See opportunities online for businesses

  • One payment for all your everyday business needs: opening and servicing an account, free EUR transfers in Latvia and Europe, a X business card, authorisation tools, and access to the Citadele Business Portal for data analysis and issuing electronic invoices.
  • GREAT VALUE - become a customer remotely and use any of our payment plans with no commission fee for the first 6 months.
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Convert your Android phone into a card terminal with the Citadele Phone POS app.

  • GREAT VALUE! Apply until 31.12.2022. and pay only 0,90 % + 0,02 EUR per transaction until the end of the next year.
  • You can install Citadele Phone POS fully remotely.
  • If necessary, choose another POS terminal from our wide range of devices for your business needs and use it for 12 months free of charge.
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  • VISA, Mastercard card payments - serve card users worldwide.
  • Fast payment with Klix - provide fast, convenient payments for purchases with a phone number.
  • Multilink online bank payments - allow shoppers to pay directly from their bank account.
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Apply for a loan of up to 70 000 EUR with ALTUM guarantee to develop your business or for various needs. No need to use your property as collateral.

  • Apply online, receive an answer within 30 minutes and sign the agreement online.
  • After signing, the money will be in your business account within a few hours.
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Become a business customer remotely

Time is money, so no one likes to spend time on things that can be done quickly. Fill out the application and the questionnaire remotely if you can represent your company alone. Become a customer in 20 minutes and enjoy the benefits of your business account in Citadele!

Become a customer
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Business portal

Manage transactions and issue e-invoices in one place for free.

Learn more

1 Example: if a loan of 80 000 EUR is guaranteed using a real estate mortgage, the loan term is 30 years and the interest rate per year is 2.05 % + the 6 month EURIBOR rate (for this calculation, this is taken to be 1.80 %), then the monthly payment is 375.05 EUR (for a total of 360 payments). APR 4.18 %. The total sum to be repaid by the customer (including repaying the loan, interest, a 1 % commission fee, a 0.1 % government fee for registering with the land registry) is 138 898.67 EUR. Borrow responsibly and consider your ability to repay the loan.